living together - is partner responsible for my debt?

vicki98_2

just found this on CCCS ... it might help explain it for you:

"If two people jointly enter into a credit agreement, they are both liable for the whole amount of the debt. This is known as 'joint and several liability'. For an agreement to be joint and several, it must be signed by all parties in the form required by the Consumer Credit Act. So, if you have not signed such an agreement, you are not liable for your partner's debts."

"However, joint and several liability can also apply to rent arrears on joint tenancies, or arrears on joint mortgages, to council tax payments for couples and to water/sewerage charges on properties which are jointly occupied. You need to talk to the individual creditor to obtain a clear understanding of the liability for the debt."

Bunnie1982

All of my fiances debts are in his name and were accrued before he even met me, as a result I have not been included in his debt management plan.

CCCS were not interested in my incomings or my outgoings, just wanting him to point out things I paid for (like rent, water rates etc.)